He might just have a nice dealer. Rock chips aren't covered under warranty. If you do get it replaced, have a PPF applied to it or it will just chip up again.
It's not the equipment suppliers responsibility to quote the NEC code. If somebody doesn't know that a 12 gauge wire has a 20 amp allowable ampacity rating, they shouldn't be installing it.
How is it not acceptable? You set the EVSE up for the max allowed by the circuit when you commission it. If somebody changes it, and the circuit can't handle it, the breaker does it's job to protect the wire and opens the circuit.
If it's already installed, leave the wiring and breaker. It's not hurting anything and you're future proof.
You probably have to go into the ChargePoint app to increase the charge rate to 48. I believe that model will actually let you set it to 50 amps, and your current wire will support it.
SK On was sued by LG for patent infringement.
https://www.jonesday.com/en/practices/experience/2021/06/sk-innovation-resolves-global-patent-dispute-with-lg-chem--lg-energy-solution-over-lithiumion-battery-technology
https://amp.kedglobal.com/newsAmp/ked202102140003
It will probably be reliable, but if you want any useful data and better control, I would go aftermarket. Emporia is good. Chargepoint is overpriced, but good.
Check with your local power company for any subsidized units.
In case anybody is interested, here is the thread that discussed the OTA that Ford sent out to "fix" the displayed DTE. It was accurate for me in the winter before they did this update. The realization of the effects of the update start on page 6...